WANT TO KEEP ON TOP OF THINGS?

If you’re interested in knowing what’s going on in college planning and preparation, sign up for the monthly Your KHEAA College Connection. We’ll email you a link to the latest edition of this electronic newsletter each month.

You’ll find stories about planning, preparing and paying for college for students of all ages, as well as general education news that you can use. Check out the latest edition to see what it’s like.

If borrowers die, their federal student loans can be discharged. PLUS Loans can be discharged if the student for whom the parent took out the loan dies. To request such a discharge, send an original or certified copy of the death certificate to the loan holder.

Identity Theft

If you believe someone stole your identity and used it to get a student loan, complete an Affidavit of Identity Theft/Forgery, notarize it and submit it to your loan holder. You must also submit a copy of the court judgment or verdict showing that you were a victim of identity theft.

If when you borrowed a federal student loan but had a condition (physical, mental, age, criminal record) that kept you from meeting state requirements for the occupation for which you received training, you may be eligible for a False Certification: Disqualifying Status discharge. To apply, complete and submit the Loan Discharge Application: False Certification (Disqualifying Status) form to your loan holder.

If you think a school representative signed your name without permission on the loan application, promissory note or loan checks or authorized your loan to be disbursed by electronic funds transfer or master check without your permission, you may be eligible for a False Certification: Unauthorized Signature/Unauthorized Payment discharge. To apply, you must attach five different samples of your signature to and complete the Loan Discharge Application: False Certification (Unauthorized Signature / Unauthorized Payment) form. At least two of the samples must be on documents that are clearly dated within a year before or after the date of the contested signature. You may not be eligible if the loan was used to pay for the part of the program of study you completed.

If you think your school failed to pay your lender a refund required by federal law, you may be eligible for a False Certification: Unpaid Refund discharge. To apply, complete the Loan Discharge Application: Unpaid Refund form and forward to the loan holder.

If you could not complete your educational program because your school closed while you were enrolled or within 90 days after you withdrew, you may be eligible for a Closed School discharge. To apply, complete and send your loan holder a School Closure Loan Discharge Application.

Your loan can’t be discharged because you:

Aren’t satisfied with the school’s services.

Think the school provided poor training or had unqualified instructors or inadequate equipment.

Believe the school didn’t provide job placement or other services it promised.

Think the school engaged in fraud other than falsely certifying the loan.